Spur Security Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spur Security Bank of Spur, TX against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.79% | 1.25% | -0.46% | 21st bottom |
| ROAE | 10.32% | 12.22% | -1.90% | 37th below |
| Net Interest Margin | 4.14% | 3.95% | +0.19% | 60th above |
| Efficiency Ratio | 71.70% | 63.71% | +7.99% | 24th bottom |
| PPNR / Avg Assets | 1.13% | — | — | 25th below |
| Yield on Earning Assets | 6.43% | 5.67% | +0.76% | 85th top |
| Cost of Funds | 2.42% | 1.87% | +0.55% | 17th bottom |
| Net Interest Spread | 3.04% | — | — | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.09% | — | — | 37th below |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.91% | 17.18% | +0.73% | 68th above |
| Tier 1 Ratio | 17.91% | 17.21% | +0.70% | 68th above |
| Total Capital Ratio | 19.01% | — | — | 68th above |
| Leverage Ratio | 12.39% | 11.75% | +0.64% | 68th above |
| Equity / Assets | 8.96% | 10.98% | -2.02% | 26th below |
| TCE / Tangible Assets | 8.96% | — | — | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.05% | 80.44% | -5.39% | 62nd above |
| Core Deposit Ratio | 73.19% | 86.95% | -13.76% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.56% | — | — | 95th top |
| Loan Growth (Y/Y) | 28.87% | — | — | 97th top |
| Deposit Growth (Y/Y) | 17.02% | — | — | 93rd top |
See Spur Security Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spur Security Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Spur Security Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Spur Security Bank peer analysis.